What insurance do you need as a scooter delivery rider?

Written by Zego

Published on

When you’re making deliveries on two wheels, it’s important to have the right cover in place.

Here, you’ll learn about the different insurance options for scooter delivery riders, and how to make sure you’re getting the best deal.

First, let’s talk about SD&P

If you’re new to scooter delivery driving, you might be wondering what SD&P is — it stands for Social, Domestic & Pleasure (SD&P).

It’s basically insurance that covers you for riding your scooter for personal use, like visiting friends or trips to the shops.

As a scooter delivery rider, you need to have both SD&P and H&R (short for Hire & Reward) cover, before you can start earning money.

When you insure with Zego, we offer scooter SD&P insurance as standard with our 30-Day and Annual policies. You can also add it to our Pay-as-you-go policy and make a nice saving at the same time (more on that later).

What’s H&R?

Hire & Reward insurance covers drivers who carry food, parcels or people in exchange for money. So that includes Private Hire taxi drivers, couriers and food delivery drivers.

It protects you in case you have an accident while working. That’s why it’s usually combined with SD&P, to keep you covered when driving your scooter for personal and professional use.

What type of scooter delivery insurance policy do you need?

Now you know what insurance you need to be a scooter delivery rider, the next step is choosing a policy that’s right for you.


It’s usually cheaper and easier to buy combined scooter delivery insurance, with both SD&P and H&R included.


The other thing to consider is how often you expect to work.


At Zego, we offer different options to give you plenty of flexibility:

Pay-as-you-go scooter insurance

If you’re planning to earn a bit of money on the side, working just a few hours or days each month, your best option might be a Pay-as-you-go policy.


You only pay for your insurance when you’re actually working, so it’s a great way to save money on the cost of your cover.


Our Pay-as-you-go policy costs £0.70 per hour for Hire & Reward cover. But you can reduce that to just £0.50 per hour when you add our Social, Domestic & Pleasure insurance.


Not only does that bring the costs down, it also keeps your insurance together in one convenient bundle, making it easier to manage. It’s a win win!

30-Day scooter insurance

Our 30-Day policy covers bikes up to 500cc and provides all the protection you need, with SD&P and H&R cover included as standard.


You get comprehensive short-term cover without the long term commitment. And you can keep it running for as long as you need it.

Annual scooter insurance

This policy is perfect for longer term scooter delivery drivers. It covers you for a full year, and you can choose to pay it upfront or spread across 9 monthly instalments.

Similar to our 30-Day policy, you get SD&P cover for personal use and H&R cover for making deliveries. One simple policy at a great price.

Ready to get started as a scooter delivery rider?
Get a quote online — it only takes a minute. And our policy prices are hard to beat.